Arjun Aggarwal, a 12^th grade student at Heritage Experiential Learning School, Gurgaon has launched Udhaar Khaata mobile application. The mobile application has user interface in both Hindi and English is meant for small shopkeepers, kiosk owners, and vendors. Through Udhar Khaata, shopkeepers can manage their credits given to customers, and hence it allows shopkeepers to remind amount due from them.       

The app now is available on Google Play and is just 15 Mb in size. It has been downloaded more than 8900 times till now. Available in English and Hindi, this easy to use app eases the issues related to credit transactions of small shopkeepers.  The app is already being used in Delhi – NCR and other cities such as Lucknow, Chandigarh, Kanpur, and Dehradun. It also has its users in Pakistan and Nepal.

‘‘India has more than 12 million small shops. Most of these shops give goods worth around Rs 5,000/- to Rs 10,000/- to customers on credit per month. This app will help to manage customers credit, leading to substantial recovery of potential losses / delays of payment for shopkeepers’’ says Arjun Aggarwal. Arjun thought of Udhaar Kanta when one day he was a local shopkeeper was complaining to him about inability of his local suppliers to pay on time.  

The problem according to him was graver because a substantial part of his revenue was in the form of credit which he had lent to suppliers. Arjun had interviewed 50 shopkeepers in three cities extensively before he created this app. These interviews indicated a clear requirement of an efficient and simple solution. The app was developed in React Native – a JavaScript based mobile app development platform created by Facebook.